China has the largest economy in Asia, coupled with advanced technology and industrial activities. Apart from its economic importance in Asia, it is a home to very rich cultural heritage and monuments like the great walls of China which stretches from Dandong to Lop lake, the forbidden city and many other tourist centers. Over 55.6 million people visit China for business and tourism annually, making it the third most visited country in the world.
Travelling to China for tourism or business involves certain levels of unpredicted circumstances that can be handled with a suitable travel insurance policy.
General Information about insurance to China
While travelling to China, foreigners may require one of several types of travel insurance policies which depends on the number of trips required within a year. The following types of travel insurance are:
- Single Trip insurance:
- Multi Trip insurance:
- Family plan.
What options are included in the Travel insurance policy?
Apart from providing coverage for expenses on medical services, the travel insurance provides the opportunity to access other kinds of services that are not medically related, provided they are envisaged and included by the insured. These additional services exist as additional options for supplementing the insurance to a great extent. The inclusion of these options depends on the insured’s itinerary and risks envisioned before the scheduled trip. The options are divided into medical and non-medical options.
What are not covered by the insurance policy?
Insurance companies will deny coverage in the following cases:
- The insurance company will not be responsible for covering medical expenses associated with cases of suicide or deliberate self-inflicted injuries;
- False declaration of health status. If the insured provides wrong information about his/her health condition, the insurance company will refuse subsequent coverage. Hence, it is better to present valid information about insured’s health condition, even when these issues are confirmed after purchasing the insurance policy. For instance if the insured is diagnosed of a terminal illness that was not stated initially, the insured must inform the insurance company in order to prevent denial;
- Pre-existing conditions are not covered by several insurers, and only a handful of these insurers would cover pre-existing conditions at a high premium;
- Accidents caused as a result of drug abuse or excessive intake alcoholic products will be denied by the insurance company;
- The insurance company will not be responsible for covering the expenses associated with treating menstrual abnormalities, impotency, birth control and artificial insemination;
- Trips to regions of China experiencing natural disasters or epidemic outbreak may not be covered by the insurance company;
- Travelling for the sole purpose receiving medical treatment will not be covered by the insurance company;
- The insurance coverage will fail if the accidents are experienced as a result of your fault. For example, if you don’t pay attention to risk reports and updates provided by your insurer or Chinese local authorities.
Actions taken in times of distress
- During emergencies or distress, the insured is expected to contact the insurance company’s customer care. The insurance customer care number is usually printed on the insurance document. The insured might not be with the contact details of the insurance company in distress situations. Therefore, the insured is advised to save these details to the telephone’s contact application or snap the page containing these contact details;
- The insured shall narrate and explain all details and symptoms to the insurer’s customer care agent;
- The agent will direct the insured to the address of the nearest recommended hospital within the insurer’s network;
- Medical bills should not be paid without documented consent of the insurance company, unless the insured is in a critical medical condition requiring immediate remedy;
- The insured must provide insurance card to the proper medical staff in the hospital, and consult the recommended physician;
- The insured must go to the recommended pharmacy with the doctor’s prescription.
Store all relevant receipts, schedule dates and transportation documents indicating expenses on treatment, medicine, medical procedures, surgeries and transportation.
Emergency contact numbers in China
In times of distress, call the numbers listed in the below:
- First Aid Ambulance - 120
- Police - 110
- Fire - 119
- Traffic Accidents - 122
- SOS in water - 12395
While travelling to China, it is recommended that the insured is vaccinated with the necessary vaccines before departing from country of residence.
China experiences flooding, landslides, typhoons and earthquakes of various magnitudes.
Road Accidents statistics
The rate of China’s road traffic accident was 18.8 per hundred thousand inhabitant in 2013. In 2016 the World health Organization revealed that 206,000 casualties recorded every year as a result of road traffic accidents in China.
The rate of terrorism is low in China compared to other countries in Asia, and there has not been a recent terrorist attack in China, but according to uk.gov, possibilities of terrorist attack is high in places like Xinjiang Uyghur Autonomous region. Tourists should be vigilant during festive periods and consult their embassy sites for updates on possible terrorist activities. Over the past few years the following terrorist attacks were recorded in China: